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西联汇款（AFG）与美盛公司（MOS）财务数据对比。点击上方公司名可切换其他公司
美盛公司的季度营收约是西联汇款的1.4倍（$3.0B vs $2.1B），西联汇款净利率更高（14.5% vs -17.5%，领先32.0%），美盛公司同比增速更快（5.6% vs -4.0%），过去两年美盛公司的营收复合增速更高（5.3% vs 4.0%）
西联汇款是总部位于美国科罗拉多州丹佛市的跨国金融服务企业，为全球个人及商业客户提供跨境汇款、支付等多元金融解决方案，在全球绝大多数国家和地区拥有覆盖广泛的服务网络。
美盛公司（The Mosaic Company）是总部位于美国佛罗里达州坦帕的化工企业，主营磷矿、钾矿开采及尿素采集，依托多元国际分销网络和旗下肥料业务板块生产销售农用肥料，是美国规模最大的钾肥、磷肥生产商。
AFG vs MOS — 直观对比
营收规模更大
MOS
是对方的1.4倍
$2.1B
营收增速更快
MOS
高出9.6%
-4.0%
净利率更高
AFG
高出32.0%
-17.5%
两年增速更快
MOS
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.0B |
| 净利润 | $299.0M | $-519.5M |
| 毛利率 | — | 11.5% |
| 营业利润率 | 18.4% | -3.4% |
| 净利率 | 14.5% | -17.5% |
| 营收同比 | -4.0% | 5.6% |
| 净利润同比 | 17.3% | -407.4% |
| 每股收益（稀释后） | $3.59 | $-1.63 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AFGMOS
| Q4 25 | $2.1B | $3.0B | ||
| Q3 25 | $2.3B | $3.5B | ||
| Q2 25 | $1.9B | $3.0B | ||
| Q1 25 | $1.9B | $2.6B | ||
| Q4 24 | $2.1B | $2.8B | ||
| Q3 24 | $2.4B | $2.8B | ||
| Q2 24 | $1.9B | $2.8B | ||
| Q1 24 | $1.9B | $2.7B |
净利润AFGMOS
| Q4 25 | $299.0M | $-519.5M | ||
| Q3 25 | $215.0M | $411.4M | ||
| Q2 25 | $174.0M | $410.7M | ||
| Q1 25 | $154.0M | $238.1M | ||
| Q4 24 | $255.0M | $169.0M | ||
| Q3 24 | $181.0M | $122.2M | ||
| Q2 24 | $209.0M | $-161.5M | ||
| Q1 24 | $242.0M | $45.2M |
毛利率AFGMOS
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 16.0% | ||
| Q2 25 | — | 17.3% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | — | 14.8% | ||
| Q2 24 | — | 14.0% | ||
| Q1 24 | — | 14.9% |
营业利润率AFGMOS
| Q4 25 | 18.4% | -3.4% | ||
| Q3 25 | 11.5% | 9.8% | ||
| Q2 25 | 11.9% | 8.1% | ||
| Q1 25 | 10.6% | 12.9% | ||
| Q4 24 | 14.9% | 3.5% | ||
| Q3 24 | 9.7% | 4.1% | ||
| Q2 24 | 14.3% | 8.3% | ||
| Q1 24 | 15.9% | 6.5% |
净利率AFGMOS
| Q4 25 | 14.5% | -17.5% | ||
| Q3 25 | 9.2% | 11.9% | ||
| Q2 25 | 9.0% | 13.7% | ||
| Q1 25 | 8.3% | 9.1% | ||
| Q4 24 | 11.9% | 6.0% | ||
| Q3 24 | 7.6% | 4.3% | ||
| Q2 24 | 11.0% | -5.7% | ||
| Q1 24 | 12.7% | 1.7% |
每股收益（稀释后）AFGMOS
| Q4 25 | $3.59 | $-1.63 | ||
| Q3 25 | $2.58 | $1.29 | ||
| Q2 25 | $2.07 | $1.29 | ||
| Q1 25 | $1.84 | $0.75 | ||
| Q4 24 | $3.03 | $0.53 | ||
| Q3 24 | $2.16 | $0.38 | ||
| Q2 24 | $2.49 | $-0.50 | ||
| Q1 24 | $2.89 | $0.14 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $1.7B | $276.6M |
| 总债务越低越好 | $1.8B | $4.3B |
| 股东权益账面价值 | $4.8B | $12.1B |
| 总资产 | $32.6B | $24.5B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.35× |
8季度趋势，按日历期对齐
现金及短期投资AFGMOS
| Q4 25 | $1.7B | $276.6M | ||
| Q3 25 | $1.8B | $153.3M | ||
| Q2 25 | $1.3B | $286.2M | ||
| Q1 25 | $1.3B | $259.2M | ||
| Q4 24 | $1.4B | $272.8M | ||
| Q3 24 | $1.3B | $301.6M | ||
| Q2 24 | $1.1B | $322.0M | ||
| Q1 24 | $1.1B | $336.7M |
总债务AFGMOS
| Q4 25 | $1.8B | $4.3B | ||
| Q3 25 | $1.8B | $3.4B | ||
| Q2 25 | $1.5B | $3.3B | ||
| Q1 25 | $1.5B | $3.3B | ||
| Q4 24 | $1.5B | $3.3B | ||
| Q3 24 | $1.5B | $3.2B | ||
| Q2 24 | $1.5B | $3.2B | ||
| Q1 24 | $1.5B | $3.2B |
股东权益AFGMOS
| Q4 25 | $4.8B | $12.1B | ||
| Q3 25 | $4.7B | $12.8B | ||
| Q2 25 | $4.5B | $12.4B | ||
| Q1 25 | $4.4B | $11.8B | ||
| Q4 24 | $4.5B | $11.5B | ||
| Q3 24 | $4.7B | $11.8B | ||
| Q2 24 | $4.4B | $11.7B | ||
| Q1 24 | $4.2B | $12.0B |
总资产AFGMOS
| Q4 25 | $32.6B | $24.5B | ||
| Q3 25 | $33.8B | $24.7B | ||
| Q2 25 | $30.7B | $24.3B | ||
| Q1 25 | $30.3B | $23.2B | ||
| Q4 24 | $30.8B | $22.9B | ||
| Q3 24 | $32.6B | $23.3B | ||
| Q2 24 | $29.9B | $22.6B | ||
| Q1 24 | $30.0B | $22.9B |
负债/权益比AFGMOS
| Q4 25 | 0.38× | 0.35× | ||
| Q3 25 | 0.38× | 0.26× | ||
| Q2 25 | 0.33× | 0.27× | ||
| Q1 25 | 0.34× | 0.28× | ||
| Q4 24 | 0.33× | 0.29× | ||
| Q3 24 | 0.31× | 0.27× | ||
| Q2 24 | 0.34× | 0.27× | ||
| Q1 24 | 0.35× | 0.27× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $784.0M | $-56.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-405.7M |
| 自由现金流率自由现金流/营收 | — | -13.6% |
| 资本支出强度资本支出/营收 | — | 11.8% |
| 现金转化率经营现金流/净利润 | 2.62× | — |
| 过去12个月自由现金流最近4个季度 | — | $-534.6M |
8季度趋势，按日历期对齐
经营现金流AFGMOS
| Q4 25 | $784.0M | $-56.1M | ||
| Q3 25 | $216.0M | $228.5M | ||
| Q2 25 | $191.0M | $609.5M | ||
| Q1 25 | $342.0M | $42.9M | ||
| Q4 24 | $674.0M | $219.3M | ||
| Q3 24 | $459.0M | $312.9M | ||
| Q2 24 | $-88.0M | $847.0M | ||
| Q1 24 | $107.0M | $-80.0M |
自由现金流AFGMOS
| Q4 25 | — | $-405.7M | ||
| Q3 25 | — | $-135.9M | ||
| Q2 25 | — | $304.9M | ||
| Q1 25 | — | $-297.9M | ||
| Q4 24 | — | $-74.8M | ||
| Q3 24 | — | $72.1M | ||
| Q2 24 | — | $513.1M | ||
| Q1 24 | — | $-463.0M |
自由现金流率AFGMOS
| Q4 25 | — | -13.6% | ||
| Q3 25 | — | -3.9% | ||
| Q2 25 | — | 10.1% | ||
| Q1 25 | — | -11.4% | ||
| Q4 24 | — | -2.7% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 18.2% | ||
| Q1 24 | — | -17.3% |
资本支出强度AFGMOS
| Q4 25 | — | 11.8% | ||
| Q3 25 | — | 10.6% | ||
| Q2 25 | — | 10.1% | ||
| Q1 25 | — | 13.0% | ||
| Q4 24 | — | 10.4% | ||
| Q3 24 | — | 8.6% | ||
| Q2 24 | — | 11.9% | ||
| Q1 24 | — | 14.3% |
现金转化率AFGMOS
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 0.56× | ||
| Q2 25 | 1.10× | 1.48× | ||
| Q1 25 | 2.22× | 0.18× | ||
| Q4 24 | 2.64× | 1.30× | ||
| Q3 24 | 2.54× | 2.56× | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | -1.77× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AFG
| Property And Casualty Insurance | $2.0B | 96% |
| Other | $83.0M | 4% |
MOS
暂无分部数据
